HomeBusinessThe Best Business Credit Cards for Travelers in 2023 – Thrifty Traveler
The Best Business Credit Cards for Travelers in 2023 – Thrifty Traveler
January 26, 2023
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But remember: Credit cards are serious business. You should never apply for a credit card if you’re already in debt, and never charge more to a credit card than you can afford to pay off immediately. That’s especially true when looking at business credit cards, as the spending required to earn a big bonus is often much higher than what you will find on the consumer card side of things.
Wondering if you are eligible to open a small business credit card to earn more travel rewards? You might be surprised at the answer. And trust me, it’s less intimidating than you may think.
Here’s our list of the best business credit cards for travelers looking to add to their stash of points and miles this year.
Not sure which one to pick? Chase doesn’t restrict you from having both, so that’s an option. And while they offer some of the same benefits, there are other key differences to be aware of between the Ink Cash vs. the Ink Unlimited cards.
Both cards typically offer $750 back (or 75,000 Chase points) after spending $7,500 in the first three months of card membership. That makes the current offer of $900 back (or 90,000 Chase points) an amazing deal and the best offers we have ever seen on these cards.
The Ink Business Preferred card mixes a great welcome bonus, solid ongoing spend return, and strong travel benefits. You’ll also earn 100,000 Chase Ultimate Rewards points after spending $15,000 in the first three months of card membership.
It’s the largest offer we’ve ever seen on the card, and if you’re a small business owner, it’s a great time to pick it up to earn a huge pile of points.
Full Benefits of the Chase Ink Business Preferred® Credit Card
Earn 100,000 Chase Ultimate Rewards Points after spending $15,000 in the first three months of card membership
Earn 3x Points Per dollar spent on your first $150,000 spent each year in combined purchases for travel, shipping purchases, internet, cable, and phone service, and on advertising purchases made with social media sites and search engines.
Earn 1x Point: Earn an unlimited 1 Point Per $1 spent on all other purchases.
Each point is worth 25% More: When booking through the Chase Ultimate Rewards travel portal each point will be worth 1.25 cents. That means the 100,000 point welcome bonus offer is worth at least $1,250.
$600 of Cell Phone Insurance: Use your Ink Business Preferred Card to pay your cell phone bill and it will cover up to $600 for repairs or replacement after a $100 deductible. Damaged and stolen phones are covered – lost phones are not.
Get additional employee cards at no additional cost
No Foreign Transaction Fees
$95 Annual Fee
Click Here to learn more about the Chase Ink Business Preferred® Credit Card.
The Business Platinum Card® from American Express has many of the same great benefits. And while it requires a lot of spending in the first three months of card membership, it can reward you with 120,000 American Express Membership Rewards points after you spend $15,000 in the first three months.
So if you have a small business and can manage this kind of spending, it is a fantastic way to earn a ton of points with one of our favorite small business cards.
Full Benefits of the Business Platinum Card® From American Express
Earn 120,000 Membership Rewards points after spending $15,000 within the first three months of card membership.
Earn 5x Membership Rewards points on flights and hotels booked through amextravel.com on up to $500
Earn 1.5x Membership Rewards points on all eligible purchases of $5,000 or more on up to $2 million spent each year.
Earn 1.5x Membership Rewards points at electronic goods retailers, software and cloud service providers, U.S. construction materials, hardware supplies, and shipping providers on up to $2 million spent each year.
Up to a $100 Application Fee Credit for Global Entry or TSA PreCheck: If you apply for either Global Entry or TSA PreCheck and pay with the Amex Business Platinum Card, the application cost will be reimbursed ($100 for Global Entry and $85 for TSA PreCheck).
35% Points Rebate: Receive a 35% rebate on flight redemptions on your selected airline, up to 1,000,000 bonus points per calendar year. This is my favorite benefit the card offers. Read more about this lucrative perk.
$400 in Annual Statement Credits at Dell: Receive up to $400 in statement credits annually by getting $200 twice a year for U.S. purchases with Dell.
Up to $360 in Annual Statement Credits at Indeed: Get $360 annual statement credit on all Indeed hiring and recruiting products. Cardholders will get up to $90 each quarter. Enrollment is required.
Up to $150 in Annual Statement Credits on Adobe Products: Get $150 each year to spend on select Adobe purchases, including Adobe Creative Cloud, and Acrobat Pro DC with e-sign. The benefit is valid only on purchases of annual prepaid subscriptions.
$120 in Annual Wireless Phone Service Credits: Business Platinum Cardholders will get up to $120 in statement credits each year for purchases made directly with any U.S. wireless telephone provider. The credits will be issued $10 per month ($120 per year). Any unused amount will be forfeited.
$189 in Annual Statement Credits for CLEAR: Get up to a $189 annual credit for CLEAR, the privately run security program. Just pay for your membership with your Business Platinum Card and the credit should kick in automatically.
Hotel Status: The Platinum card offers complimentary Marriott Bonvoy and Hilton Honors Gold status just for being a card member.
Annual Fee: The business version of the card boasts an annual fee of $695 (see rates & fees).
Click Here to learn more about the Business Platinum Card® from American Express.
American Express® Business Gold Card
Not interested in the $695 annual fee on the Business Platinum Card from American Express? The American Express® Business Gold Card is another great option that allows you to earn a ton of Membership Rewards points.
To start, you’ll earn 70,000 points after spending $10,000 in the first three months of card membership. But what makes the Gold card a great option is that you’ll earn 4x points per dollar spent on the two categories where your business spent the most each month (up to $150,000 spent in combined purchases in a calendar year). Those categories include:
Airfare purchased directly from airlines
U.S. purchases for advertising in select media (online, TV, radio)
U.S. purchases made directly from select technology providers of computer hardware, software, and cloud solutions
U.S. purchases at gas stations
U.S. purchases at restaurants, including takeout and delivery
U.S. purchases for shipping
If gas is one of your top business expenses, you won’t find a better return than 4x per dollar spent at the pump.
The card starts with a welcome offer bonus of 50,000 miles after spending $4,500 in the first three months of card membership. You’l also earn an unlimited 2x miles on every dollar you spend with no limits or category restrictions.